regionals, the bank like u.s. bank kopp, bb & t, p&c, phipps, third and wells fargo which i classify as a regional although a very large one, our moving market share. i mean they are seeing the lending volume that is sufficient to offset that net interest income or that net interest margin pressure, so you know i think that they just present a greater source of stability and american banking. bank of america and citigroup will work through their is issues over the next several years but they're to the going to be returning capital to shareholders, i think, at least until 2014. whereas the regional banks are already had their dividends established. they're able to grow them. they really are the stable banks in america right now. >> all right, we are going have to leave it there. do you have any disclosures to make about any of the banks we've discussed? >> i am an owner of u.s. bancorp, that's my only disclosure. >> okay. all right, great.